I'm not as dedicated to ride in crappy weather anymore. If I run into cold weather on a ride I don't mind but if its already near freezing I won't bundle up to ride.
When I was younger I did. I have hit enough crappy weather on road trips to getmy fill of rising int he rain and snow.
I really appreciate my road couch now.
I need to get something with a little more wind protection than I have now if I'm going to ride in cold weather. But about 45 or so is my absolute limit, unless I run into it going over the mountain or something like that.